Call reports 2016
UNITED CITIZENS BANK & TRUST COMPANY — 2016
What UNITED CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 107,339,000 | 106,416,000 | 106,361,000 | 107,247,000 |
| Total loans | 57,678,000 | 58,936,000 | 61,749,000 | 65,249,000 |
| Allowance for loan losses | 663,000 | 662,000 | 680,000 | 702,000 |
| Securities available for sale | 19,096,000 | 19,651,000 | 15,538,000 | 14,957,000 |
| Securities held to maturity | 3,812,000 | 2,311,000 | 2,267,000 | 2,266,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,339,000 | 81,473,000 | 81,958,000 | 83,791,000 |
| Interest-bearing deposits | 58,870,000 | 59,580,000 | 59,932,000 | 61,250,000 |
| Noninterest-bearing deposits | 23,469,000 | 21,893,000 | 22,026,000 | 22,541,000 |
| Equity capital | 12,440,000 | 12,325,000 | 12,570,000 | 12,156,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 957,000 | 1,920,000 | 2,949,000 | 3,977,000 |
| Interest expense | 119,000 | 234,000 | 347,000 | 456,000 |
| Net interest income | 838,000 | 1,686,000 | 2,602,000 | 3,521,000 |
| Noninterest income | 138,000 | 269,000 | 468,000 | 608,000 |
| Noninterest expense | 765,000 | 1,527,000 | 2,276,000 | 3,024,000 |
| Provision for loan losses | 0 | 0 | 18,000 | 43,000 |
| Pretax income | 211,000 | 428,000 | 776,000 | 1,062,000 |
| Income tax | 54,000 | 110,000 | 208,000 | 287,000 |
| Net income | 157,000 | 318,000 | 568,000 | 775,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,426,000 | 12,212,000 | 12,463,000 | 12,394,000 |
| Total capital | 13,089,000 | 12,874,000 | 13,143,000 | 13,096,000 |
| Risk-weighted assets | 61,829,000 | 61,452,000 | 64,935,000 | 65,631,000 |